{ "media_type": "text", "post_content": "My dad tested positive for covid. We have ICICI Lombard from india insurance for him. I need to take him to hospital for further test as his fever is going up. Anyone had experienced this. How the hospital treat uninsured or people who have foreign insurance.", "post_id": "606ee66e0cf561002f80d025", "reply_count": 18, "vote_count": 4, "bowl_id": "58f8108c753e990016608a0b", "bowl_name": "Desi Consultants" }

My dad tested positive for covid. We have ICICI Lombard from india insurance for him. I need to take him to hospital for further test as his fever is going up. Anyone had experienced this. How the hospital treat uninsured or people who have foreign insurance.

like
Posting as :
works at
You are currently posting as works at

WHATEVER YOU DO, DO NOT PUT DOWN YOUR ADDRESS OR NAME. JUST YOUR DAD'S. I can't stress this enough, because they can they come after you for money if the bills are higher than what their insurance covers. Your parents don't have a credit score or other things us related to worry about. The hospital has to treat them. According to American law a hospital cannot deny treatment.

like

Wife is a MD, and she says hospitals especially state run have defined budgets for uninsured and under insured patients. Take the passport and your details, and they will usually provide you a few payment plans to cover the cost of treatment. As long as he doesn't get intubated in the ICU, your total costs should not exceed 15-30k which they will try to recover but most times will waive a major part of it.

like

MC1,. I have no idea how to or if it's possible to claw this money back from international insurer. All I was saying was that, non-ICU bill won't be super high, you can settle with the hospital too citing lack of funds for a smaller amount and they have payment plans where you can pay the balance over like 60 months. State run Hospitals have budgets for things like these. If the patient gets intubated in an ICU though, then costs will skyrocket though, in hundreds of thousands.

OP - How are things? Hope your dad is feeling better.

like

Thanks everyone. His fever has dropped. I was able to talk to urgent care doc over phone and they asked to monitor fever and oxygen. Will be giving him flu medication. Certainly scary day. If he starts having sever fever again I will head to hospital. Hospitals are sending people with moderate symptoms back home and only admitting one with sever one.

like

Glad to hear about his health. Hope he gets well soon!

First take him to the hospital and get care and worry about financials later. Once done hospital will negotiate whatever amount your India insurance will pay.

like

No insurance is tough. They will charge you full prices. Which can be many thousands a day. Indian insurances have many limitations- because of hospital Networks- and also you will probably have to pay out of pocket and then reclaim. There is no/insignificant in network benefits when it comes to Indian insurers

Hospitals usually have a budget to waive off dues of folks who don’t have good insurance/are difficult to chase down. Hope your dad feels better soon.

I assumed OP is in the hook for bill as the hospital does not accept foreign insurance. So are you saying the hospital would admit the patient, care for them even if they don't have an insurance policy accepted by the hospital?

My mom needed an ultrasound when she was here. She did it at an urgent care and I put it on my credit card. Her India insurance reimbursed her a good part of the amount (excluding some minor copay)

Which insurance you had from india.

OP - I think they should be able to cover for the most part of your expenses but that also depends on the plan. My brother, when he came to the US for education, had got Bajaj Allianz insurance. Within 2 weeks of landing in the US, he dislocated his shoulder and was in the hospital for 3-4 days. His insurance (Bajaj Allianz) paid for everything (the bill was around $26k) and he had to pay just $135 out of his pocket. So it is possible for an international insurance to cover everything. Hope your dad feels better soon!

Related Posts

Anyone know offhand if there are any good healthcare agencies in Portland OR?

like

I am looking to switch careers. I have been in my current career for nearly 20 years. I need a change. I have masters degree in instructional technology, health care administration, and English. I am working on trying to work my current skills into today's job market. That is more difficult than I anticipated. I guess I'm wondering if there really is anything out there to switch to? I feel lucky to have a job, but it is getting very depressing and difficult to get up for work.

like

Would you live in fidi if there was a covid discount? In early 20s and worried it’s a very quiet / boring area but have found a nice luxury building discounted wifi lots of amenities.

like

Anybody else worried about professional repercussions for letting students do real reporting on COVID and how districts are handling it?

like

I'm sorry if this is out of place, but is anyone interested in coming on my veteran podcast? I work for a Nonprofit Organization that provides supportive services to veterans in CA, NV and AZ and our podcast discusses issues relevant to veterans. I'm organically searching for veterans who are willing to talk about their experiences, mental health and healthcare, employment, case management, housing for the homeless, etc. We don't require you to be an expert on anything.

like

Anyone knows if 44k EAD per month plus health and yearly tickets home is a good offer for a Digital Director level in Dubai

like

How to fix the American health care system as a European: tell me where I’m wrong…

likefunny

I have an interview with Guidehouse coming up. Any tips on what to expect? Also curious about pay for the senior consultant role in their healthcare practice. Guidehouse

like

My principal approached me in the car pick up line on Friday to inform me that I’ve taken to many days off & school has just started. I took 1day off when my daughter tested positive for Covid, I had an doctor’s appt that had been scheduled 6 months ago to see the hematologist. Being that I’m anemic, current labs showed I need to have 2 iron infusions. I put in for 2 more days off to have that done. He told me in the future to wait until a work day! We done have any until December!!

likehelpful

Do the Life Sciences teams at L.E.K. also work on Healthcare projects?

like

Booz All-Hands call today, introducing a “Vaccine Education” series featuring health professionals to answer questions as we gear up for any developments in the news.....just😂

likefunny

Hi, my friend is studying MPH (NYU). Worked for 5 yrs. in healthcare domain with McKinsey & 3 yrs with healthcare NGO. Any leads for her summer internship?

Do all therapists use the line, “I’m not taking any new patients at this time.” When they don’t want to see someone?! I found someone who would be perfect and got that line. Seems like I’ve gotten that line every time I’ve reached out to a counselor… has anyone successfully gotten past that barrier? Do they not want to take on someone who has insurance and would rather get the full bill rate in cash?

like

Anyone familiar with Equitable’s Dual Direction offering? My brother was contacted by someone trying to peddle it. I’m assuming this is another scam like Northwestern Mutuals Whole Life Insurance, but wanted to know for certain.

like

My firm has a reduced hours policy, and I know people who have negotiated reduced hours after having kids. I do not have kids yet (we recently started trying), but I’m seriously considering asking for a reduced hours arrangement (partly for future kids, but partly for sustainability of the career, mental health, physical health, etc.). The written policy doesn’t require it, but do I have to give a “reason” when asking for reduced hours? Anyone have experience with this?

like

Maybe a strange take but I think that we should be more in touch with our internal bodies. We can send astronauts to the moon and rovers to mars but there’s no easy, portable way to scan our bodies to see what’s going on inside (e.g., a DIY full body xray or MRI). I think this could be the next gen of weighing scales that also show various health metrics, track fitness, etc. It could help with prevention and diagnosis. I guess it’s bad for health providers who make $ today from this. Thoughts?

likesmarthelpful

If your employer did one thing in response to coronavirus, what would you want that one thing to be?

like

Is wlb for consulting in UK (London) better than that in US? Trying to convince myself that the pay parity is worth it. Also, could you please help me understand whether the total long term col (inc healthcare, childcare etc) in London is less than that in a hcol US city (say NYC), and thus the saving potential is similar? TIA!

like
like

Booked a short weekend trip in Chicago awhile back for next weekend and I’m wondering how difficult it is to find stuff to do with covid going on. Anyone have any recommendations?

like

Additional Posts

Anybody in Frankfurt Germany hiring non German speakers?

like

Salary negotiation Applied to a job, agreed a salary expectation of £125k to £135k. Discussed range as achievable on two separate occasions. 3 interview rounds later, offer of £106k. Strong pushback from me on the call and a follow up note. Awaiting a revised offer. Any thoughts on that strong a lowball opening offer? I am both irritated and intrigued.

like

Does anybody here own a holiday home and rent it out? Thinking of building one but given there's barely any tourism I'm thinking my funds could go further elsewhere.

like

Anyone have experience with bariatric surgery, good or bad? I’m 6’0, currently 270lb (normal range pre-Covid was 220-250lbs) female recently diagnosed with Graves Disease (thyroid disorder) that has me swinging hormonally all the time affecting my mood and emotional coping skills, metabolic hunger signals, energy levels etc. I’m interested in a consultation and feeling bariatric surgery may a tool to provide some “bumpers” on my weight situation. Interested in others experience here!

like

Does it make any sense to go for a Full Time MBA after 9 YOE?

like

Feeling burnt out, like I’m not doing great work, in need of a major life change, and that I’m just in survival mode until the Holiday break. Meanwhile I feel guilt of having a stable remote job unlike so many others around the country. Someone tell me that I’m not alone

like

See a lot of comp posts from consultants - have any of you considered enterprise technology sales? Certainly a different job that requires different knowledge/skills but I see parallels/ think a consultant could do well in sales if they’re okay with a lot of rejection. The pay seems similar (my OTE is about 400k; 8 YoE, individual contributor) but I imagine the hours are better and it can be fun if you like solving customer problems, to challenge customers, and building relationships

like

How is Galt for post MBA consultants? Seems like the pay could be really high... has anyone experienced moving from Big4 to Galt at that level? Believe it would just be a consultant role and my understnading is that is the same title as people out of undergrad with a very, very large pay band

like

Prob been asked but how do you best use Bonvoy points. Debating 60k/night in Iceland or saving up for 85k/night Ritz in Caymans (or something like that). Generally what level to spend the points?

like

Worked hard, won business and asked for a raise - got 10%. Now closer to median salary for my YOE. But it’s not in effect until my first year anniversary which is 2-3 months away. Should I accept the raise or negotiate?

like

FDD manager base range in PwC and EY? No MBA and in NYC. 5YoE. TIA!

like

How is IBM Enterprise Strategy? WLB, Comp vs B4, team culture, work overall. Appreciate any insight- thanks!

like

Any news on when offices are going to reopen?? Will it be mandatory to be WFO. Can we opt for perm. Wfh???? Please give updates on your company policies on this matter.

like

Looking to connect with Schwarzman Scholars working at MBBOW or in PE. My background: Graduated a few years back, working in BCG back office. Have a significant amount of development sector experience, with a focus on financial inclusion and social inclusion. TIA!

likefunny

Booked a flight on Delta after my AA was canceled and I got Zone 1 despite having no status. Did I miss something? It's a small plane so maybe everyone is Zone 1? LGA-ORD

like

To my IT people - can a company track my IMs on Skype? Like....retrieve a IM conversation?

funny

What are the equity benefits of being at Pdubs?

like

Has anyone ever had their luggage lost by LOT airlines? If so, were you able to get any reimbursement?

like

A Partner reached out to me and mentioned I was staffed on a project. Two days and Career team still doesn’t reach out to me confirming my project. I’m busting my ass, before the Partner tells me that I would not be billable till we get the internal approval and I should charge my timesheet to offline work. This is my first job. Should this have happened? Can I do anything now? What can I do to manage this going forward?

like

What would be the in hand salary after all the deduction in Deloitte USI

Post Photo
like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.

For account settings, visit Fishbowl on Desktop Browser or

General

Legal